Terms of service

These terms are an agreement between you and Habeebllahi Ejio, trading as Oye ("we", "us"), the provider of Oye at askoye.ng. By creating an account or using Oye, you agree to them on behalf of yourself and your business.

1. What Oye is

Oye is an AI business assistant. It answers your questions, keeps your business records, provides a till for recording sales, makes invoices, receipts and reports, and on some plans writes a morning brief and reads bank alerts you forward to it. Oye reads and advises only. It cannot pay, transfer or withdraw money, and it never asks for your bank password, PIN or card details.

2. Plans

Oye has a Free plan and paid plans (currently Starter and Shop; Business is coming soon). What each plan includes, and its price, is shown on our pricing page and on the Plans screen in the app. That includes the number of questions you can ask in each 5-hour period, documents a month, products on the till, cashiers, the morning brief and bank alerts.

• When you reach a limit, Oye tells you, and that feature pauses until the limit resets or you upgrade. Your records are never deleted because of a limit.
• Plans are for one business. Prices are in naira, per business, per month.
• We may change what plans include or cost. We'll tell you at least 30 days before a price rise affects you, and a month you've already paid for keeps the price you paid.

3. Paying for a plan

• How to pay. For now, you pay by bank transfer to the account shown in the app, then attach your transfer receipt in the app. We check that the money has arrived, usually within a few hours on working days, before switching your plan. Card payments will come later.
• Invoice. When we confirm your payment, we switch your plan and email you an invoice.
• A paid month. A plan runs for one month from the day we confirm your payment. Paying again before it ends adds another month after the current one, so renewing early loses nothing.
• No automatic charges. We never take money from your account. Plans don't renew by themselves: we email you 3 days before your month ends and on the last day. If you don't renew, your business moves back to the Free plan the day after. Your records, chats and till stay as they are.
• If we can't confirm a payment (for example, the transfer hasn't arrived or the amount is wrong), we'll tell you by email and your plan stays as it was. If you sent money, reply to that email and we'll sort it out.
• Refunds. If you pay by mistake, pay twice, or pay for a plan we can't switch you to, we refund you in full. You can also ask for a full refund within 7 days of a new paid plan starting if it isn't right for you. After that, a paid month isn't refunded if you stop using it part-way, but you can simply not renew. Refunds go back to the account you paid from. Email us to ask.
• Prices don't include charges your bank makes for the transfer.

4. Your account

• You must be at least 18 and authorised to act for your business.
• Keep your password safe, and turn on two-step sign-in. You are responsible for what happens under your account and the accounts you create for your staff.
• Tell us straight away if you think someone has accessed your account, using Help and feedback in the app or the email below.

5. Your data

Your business data belongs to you. You give us permission to store and process it only to provide Oye to you, as described in our privacy policy. Questions you ask Oye are answered by an AI service provider on our behalf. You can download or delete your data at any time. You confirm that you have the right to share the information you put into Oye, including your customers' names and phone numbers when you sell on credit or send them receipts.

6. Advice and AI

Oye's answers, briefs, warnings and suggestions are there to help you decide. They are not financial, tax, accounting or legal advice, and they depend on the records Oye has. Oye calculates figures from your records and asks you to confirm before saving anything from a conversation, but AI can still make mistakes. Please check important figures and decisions before you act on them.

7. The till, transfers and selling on credit

• With bank alerts (Business plan), Oye marks a transfer at the till as confirmed only when a matching alert from your bank arrives. On other plans, the cashier confirms a transfer after checking your bank. If you or your staff accept a payment that your bank hasn't confirmed, that decision is yours.
• When you sell on credit, Oye keeps a record of what each customer owes. It doesn't collect debts for you, and whether a customer pays is between you and them.
• The till keeps recording sales if the network drops, and sends them when it's back. Sales saved on a device can be lost if that device is lost, reset or has its browser data cleared before they're sent.

8. Fair use

Don't use Oye for anything illegal or fraudulent, to store information you have no right to, to harm or overload our systems, to get around plan limits (for example, by opening many free accounts for one business), or to try to access other businesses' data. We may suspend accounts that do.

9. Availability

We work to keep Oye running at all times, but we can't promise it will never be interrupted, and we may need to take it offline briefly for maintenance. If Oye is unavailable for more than 3 days in a row in a month you've paid for, tell us and we'll add those days to your plan.

10. Liability

To the extent the law allows, we are not liable for indirect losses such as lost profits, or for losses caused by decisions you make based on Oye's answers or suggestions. Our total liability to you is limited to the amount you paid us for Oye in the 12 months before the claim. Nothing in these terms limits liability that the law does not allow us to limit.

11. Ending

You can stop using Oye and close your account at any time. We may end or suspend your access if you break these terms, giving notice where we reasonably can. If we end your access without you having broken these terms, we refund the unused part of any month you've paid for. When your account closes, you can download your data first, and we delete it as described in our privacy policy.

12. Changes

We may update these terms. We'll tell you about important changes in the app or by email before they take effect, and if you keep using Oye after that, the new terms apply.

13. Law

These terms are governed by the laws of the Federal Republic of Nigeria. We'll always try to resolve a disagreement with you directly first.

Contact

Oye, askoye.ng. Use Help and feedback in the app, or email hi@habeebejio.com.